Time Finance PLC is a part of the financial services domain in the United Kingdom. The company's principal business involves the provision of financial services to SMEs (small and medium sized enterprises) in the United Kingdom. The company operates in Asset Finance, Vehicle Finance, Loan Finance, and Invoice Finance. It generates most of the revenue from the Asset Finance division.

Financial Strength

7/10

Name	Current	Vs Industry
Cash-To-Debt	0.47
Equity-to-Asset	0.33
Debt-to-Equity	0.04
Debt-to-EBITDA	0.43
Interest Coverage	51.32
Piotroski F-Score	7/9	0 1 2 3 4 5 6 7 8 9
Altman Z-Score	0.8	Distress Grey Safe
Beneish M-Score	-2.07	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

2/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	-3.5
	3-Year EBITDA Growth Rate	12.6
	3-Year EPS without NRI Growth Rate	15.5
	3-Year FCF Growth Rate	-8.8
	3-Year Book Growth Rate	2.4

Momentum Rank

6/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	71.97
	9-Day RSI	64.29
	14-Day RSI	60.89
	6-1 Month Momentum %	41.18
	12-1 Month Momentum %	64.89

Liquidity Ratio

	Name	Current	Vs Industry		Vs History
	Current Ratio	1.42
	Quick Ratio	1.42
	Cash Ratio	0.02
	Days Sales Outstanding	1093.13
	Days Payable	1830.99

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	3-Year Average Share Buyback Ratio	-1.3
	Shareholder Yield %	3.47

Profitability Rank

6/10

	Name	Current	Vs Industry		Vs History
	Gross Margin %	57.55
	Operating Margin %	16.91
	Net Margin %	13.61
	FCF Margin %	-0.73
	ROE %	6.49
	ROA %	2.2
	ROIC %	3.49
	ROC (Joel Greenblatt) %	20.18
	ROCE %	4.26
	Years of Profitability over Past 10-Year	10

GF Value Rank

	Name	Current	Vs Industry		Vs History
	PE Ratio	9.48
	Forward PE Ratio	7.24
	PE Ratio without NRI	9.7
	Shiller PE Ratio	8.44
	Price-to-Owner-Earnings	27.17
	PS Ratio	1.28
	PB Ratio	0.59
	Price-to-Tangible-Book	1.07
	Price-to-Operating-Cash-Flow	15.67
	EV-to-EBIT	7.99
	EV-to-Forward-EBIT	5.63
	EV-to-EBITDA	7.32
	EV-to-Forward-EBITDA	5.25
	EV-to-Revenue	1.34
	EV-to-Forward-Revenue	1.19
	EV-to-FCF	-181.02
	Price-to-Projected-FCF	0.6
	Price-to-Median-PS-Value	0.9
	Price-to-Graham-Number	0.68
	Earnings Yield (Greenblatt) %	12.53
	FCF Yield %	-0.56
	Forward Rate of Return (Yacktman) %	-15.22

Financials (Next Earnings Date:2024-09-25)

Annual Quarterly TTM

FRA:B5D1's 30-Y Financials

AAPL

Income Statement Breakdown

Annual Quarterly

No Enough Data

AAPL

Balance Sheet Breakdown

Annual Quarterly

No Enough Data

AAPL

Cashflow Statement Breakdown

Annual Quarterly

No Enough Data

Historical Operating Revenue by Business Segment

Value % YoY

Historical Operating Revenue by Geographic Region

Value % YoY

See Details

5-Step DuPont Analysis as of

Annual Quarterly

No Enough Data

Guru Trades

See Details

Insider Trades

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Peter Lynch Chart

Y-axis scale:

Log Linear

Interactive Chart

Performance

Dividend

Log

Bar

Annualized Return %

Symbol	1 Week	1 Month	3 Months	6 Months	YTD	1 Year	3 Years	5 Years	10 Years

Total Annual Return %

Symbol	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015

Time Finance PLC Executives

Details

GF Value: €0.3

FRA:B5D1

Valuation Chart

Year:

Warning Signs

Warning! GuruFocus detected 4 Severe warning signs with B5D1. Try a 7-Day Free Trial to check it out.

Analyst Estimate

Annual Quarterly

Key Statistics

	Name	Value
	Revenue (TTM) (Mil €)	33.821
	EPS (TTM) (€)	0.05
	Beta	0.84
	Volatility %	39.52
	14-Day RSI	60.89
	14-Day ATR (€)	0.005451
	20-Day SMA (€)	0.4488
	12-1 Month Momentum %	64.89
	52-Week Range (€)	0.258 - 0.476
	Shares Outstanding (Mil)	92.51

Piotroski F-Score Details

Year:

	Component	Result
	Piotroski F-Score	7
	Positive ROA
	Positive CFROA
	Higher ROA yoy
	CFROA > ROA
	Lower Leverage yoy
	Higher Current Ratio yoy
	Less Shares Outstanding yoy
	Higher Gross Margin yoy
	Higher Asset Turnover yoy

Time Finance PLC Filings

10-K10-QForm 4Others

	Filing Date	Document Date	Form
No Filing Data

Time Finance PLC Stock Events

Financials Calendars

	Event	Date	Price(€)
No Event Data

Time Finance PLC Frequently Asked Questions

What is Time Finance PLC(FRA:B5D1)'s stock price today?

The current price of FRA:B5D1 is €0.46. The 52 week high of FRA:B5D1 is €0.48 and 52 week low is €0.26.

When is next earnings date of Time Finance PLC(FRA:B5D1)?

The next earnings date of Time Finance PLC(FRA:B5D1) is 2024-09-25.

Does Time Finance PLC(FRA:B5D1) pay dividends? If so, how much?

Time Finance PLC(FRA:B5D1) does not pay dividend.

Press Release

	Subject	Date
No Press Release

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